Universal Banker

Standard Chartered India; Kolkata District; On-site; INR 280,000 - 420,000; Full time

Benefits offered by this job

Annual leave

Parental leave

Wellbeing support

Learning opportunities

Job summary

Standard Chartered India is seeking a customer-oriented banking professional to support branch operations. You will handle cash deposits and withdrawals, issue demand drafts and pay orders, process FD breaks, transfers, and stop payments while ensuring accuracy and warmth in every interaction.

You will participate in service delivery, compliance with KYC/CDD/EDD, AML, and sales policies, contribute to branch performance, and uphold health and safety standards in a fast-paced environment.

Qualifications

• Graduate/Post Graduate with 1–4 years banking experience.
• Knowledge of front and back office processes and procedures.
• Strong communication and customer service orientation.

Responsibilities

• Deliver quality service through cash deposits, withdrawals, drafts and transfers.
• Process FD breaks and stop payment instructions with accuracy and warmth.
• Assist service delivery for timely customer service and workflow efficiency.
• Reconciliation, cash controls and compliance activities typical of a branch.
• Adhere to Mis-selling & Sales Policies and KYC/CDD/EDD procedures.
• Maintain branch premises and health and safety standards.

Skills

Customer service

Cash handling

Bank transactions

Cross-selling

Regulatory awareness

Education

Graduate/ Post Graduate

Job description

• Deliver quality service while carrying out the following transactions among others for customers:
• Cash withdrawals
• Demand draft/pay order instructions – accepting and processing
• Accepting instructions for FD breaks
• Effecting internal account to account transfers
• Accepting and processing stop payment instructions
• Ensure that all of the above services are delivered with accuracy and warmth
• Assist in Service Delivery by ensuring timely service to customers so customer traffic is efficiently managed. Recommend workflow changes for customer service with greater efficiency and effectiveness.
• General Reconciliation and Compliance Activities at their level, which may typically include:
• Dual control of Cash functions
• Control of Security stationary
• Review of processing entries and vouchers
• Sales Referrals: where relevant, identify prospects for cross-selling from observation of customer transactions and highlight the same to sales staff
• Contribute to branch performance through referrals, efficient customer service, effective operations controls
• Deliver quality service while carrying out the following transactions among others for customers:
• Cash withdrawals
• Demand draft/pay order instructions – accepting and processing
• Accepting instructions for FD breaks
• Effecting internal account to account transfers
• Accepting and processing stop payment instructions
• Ensure that all of the above services are delivered with accuracy and warmth
• Assist in Service Delivery by ensuring timely service to customers so customer traffic is efficiently managed. Recommend workflow changes for customer service with greater efficiency and effectiveness.
• General Reconciliation and Compliance Activities at their level, which may typically include:
• Dual control of Cash functions
• Control of Security stationary
• Review of processing entries and vouchers
• Sales Referrals: where relevant, identify prospects for cross-selling from observation of customer transactions and highlight the same to sales staff
• Contribute to branch performance through referrals, efficient customer service, effective operations controls
• He/She is aware of bank’s Mis-selling & Sales Policies and ensure adherence all the times.
• Educating customers about alternate banking channels so specific transactions can be migrated to net banking, phone banking, ATMs, etc.
• Ensure he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD and Money laundering prevention. He/she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer.
• Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
• Responsible for health and safety for all. As part of the Health and Safety guidelines you should:
• Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace;
• Ensure that your actions do not put others at risk; Work in a healthy and safe manner;
• Encourage others to work in a healthy and safe manner
• Report all accidents and incidents and bring to the attention of the management any hazard in the workplace

Key Responsibilities

• Deliver quality service while carrying out the following transactions among others for customers:
• Cash deposits
• Cash withdrawals
• Demand draft/pay order instructions – accepting and processing
• Accepting instructions for FD breaks
• Effecting internal account to account transfers
• Accepting and processing stop payment instructions
• Ensure that all of the above services are delivered with accuracy and warmth
• Assist in Service Delivery by ensuring timely service to customers so customer traffic is efficiently managed. Recommend workflow changes for customer service with greater efficiency and effectiveness.
• General Reconciliation and Compliance Activities at their level, which may typically include:
• Dual control of Cash functions
• Control of Security stationary
• Review of processing entries and vouchers
• Sales Referrals: where relevant, identify prospects for cross-selling from observation of customer transactions and highlight the same to sales staff
• Contribute to branch performance through referrals, efficient customer service, effective operations controls
• Deliver quality service while carrying out the following transactions among others for customers:
• Cash deposits
• Cash withdrawals
• Demand draft/pay order instructions – accepting and processing
• Accepting instructions for FD breaks
• Effecting internal account to account transfers
• Accepting and processing stop payment instructions
• Ensure that all of the above services are delivered with accuracy and warmth
• Assist in Service Delivery by ensuring timely service to customers so customer traffic is efficiently managed. Recommend workflow changes for customer service with greater efficiency and effectiveness.
• General Reconciliation and Compliance Activities at their level, which may typically include:
• Dual control of Cash functions
• Control of Security stationary
• Review of processing entries and vouchers
• Sales Referrals: where relevant, identify prospects for cross-selling from observation of customer transactions and highlight the same to sales staff
• Contribute to branch performance through referrals, efficient customer service, effective operations controls
• He/She is aware of bank’s Mis-selling & Sales Policies and ensure adherence all the times.
• Educating customers about alternate banking channels so specific transactions can be migrated to net banking, phone banking, ATMs, etc.
• Ensure he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD and Money laundering prevention. He/she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer.
• Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
• Responsible for health and safety for all. As part of the Health and Safety guidelines you should:
• Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace;
• Ensure that your actions do not put others at risk; Work in a healthy and safe manner;
• Encourage others to work in a healthy and safe manner
• Report all accidents and incidents and bring to the attention of the management any hazard in the workplace

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Skills And Experience

• Addressing Customer Needs
• Anti-money Laundering Policies and Procedures
• Bank Account Features and Services
• Customer Experience Management
• Customer Interaction
• Customer Retention

Qualifications

• Graduate/ Post Graduate
• Anywhere between 1 - 4 years of overall experience
• Banking knowledge
• Understanding of front and back office processes and procedures
• Good Interpersonal Skills
• Strong Communication Skills
• Team-playing ability
• Customer and Service Orientation

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.